
Find Car Insurance in Harlingen, TX
What You Should Know About Car Insurance in Harlingen, Texas
Located in the center of the Texas Rio Grande Valley, the city of Harlingen is roughly 30 miles from the Gulf of Mexico. The city’s rapid growth is due to its strategic location at the intersection of U.S. Routes 77 and 83. Harlingen has grown into an industrial and retail center that is home to more than 71,000 people.
In the city’s early days, Harlingen primarily supported World War II military installations, starting with Harlingen Army Air Field. In addition to the growing healthcare industry, the city has experienced growth in tourism. It opened its first medical school in 2016.
If you live in Harlingen, protecting your health and your property starts with buying the appropriate liability coverage for your vehicle. A comprehensive auto insurance policy can protect you from claims made by other drivers while paying for your losses after a crash.
How Much Does Car Insurance Cost in Harlingen, Texas?
You have the option to purchase different policies in Harlingen. While the state mandates a minimum amount of liability insurance, you are entitled to purchase more to protect you in case another driver claims you are at fault for an accident. In addition to liability coverage, you could also buy a full coverage policy that will pay your losses in a crash.
Texans pay around $2,426 annually for full coverage auto insurance. When it comes to the annual cost of liability-only policies, the average is $693. The cost of coverage in Harlingen is a little lower than the state average. Liability-only policies total $636 annually and full coverage costs roughly $2,076.
These amounts are similar to what drivers pay nationwide. For full coverage, Texans pay slightly more than the national average of $2,314. The cost of minimum mandatory liability coverage is lower than the $644 annually that drivers pay nationally.
At InsureOne, we can offer options for liability insurance that fit your needs. Our agents can also offer multiple policy options that work with your budget.
What Does Full Coverage vs. Minimum Liability Mean?
When you purchase protection for your vehicle, you have a big decision to make. Will you go with the minimum amount of liability insurance required by law or something more robust? A full coverage auto plan does everything liability policies can do, plus more. These policies not only shield you from third-party claims made by other drivers, but they pay for your losses as well.
The minimum amount of liability coverage has the advantage of costing far less each month than full coverage. The downside is that liability insurance will not cover your damages and the minimum amount may not pay for the other driver’s full losses either. This can leave you personally responsible for what is left.
Car Insurance Rates Comparison by City in Texas
Below is a comparison of the average monthly premiums paid in various cities across Texas.
City | Full Coverage Insurance | Liability Insurance Coverage |
---|---|---|
Harlingen | $173 | $53 |
Houston | $206 | $124 |
Spring | $181 | $116 |
Lewisville | $156 | $111 |
Weatherford | $150 | $111 |
How Bundling Your Car and Homeowners Insurance Can Save You Money in Harlingen
There are few better ways to save money on your car insurance than by bundling your policies with InsureOne. Bundling means purchasing two or more policies from the same carrier. When you bundle your auto and home protection with InsureOne, you can save up to 25% on your entire bill.
In addition to saving money by bundling your auto and homeowners insurance policies, you can also simplify the policy management process. Having a single point of contact for all claims and inquiries makes things easy.
What Types of Car Insurance Discounts Are Available in Harlingen?
You can also save money on your car insurance by taking advantage of all the available discounts. Some of the most popular options include the following:
- Safe Driver Discount
- Paperless Discount
- Good Student Discount
- Veteran Discount
- Loyalty Discount
- Multi-vehicle Discount
Notable Car Insurance Laws in Harlingen
Texas law requires every driver to purchase liability coverage. Every motorist must keep a minimum amount of coverage to comply with the law, and failing to do so could be costly.
What Are the Mandatory Car Insurance Requirements in Harlingen?
Under Texas law, you are required to maintain a minimum amount of liability coverage when you drive. Your policy must have certain coverage for injuries and property damage. The minimum coverage required includes:
- $30,000 for bodily injuries per person
- $60,000 for bodily injuries per accident
- $25,000 for property damage per accident
What Is the Penalty for Driving Without Insurance in Harlingen?
It is a violation of the law to drive without auto coverage in Texas. Drivers in Harlingen who do not carry the minimum required coverage will face fines of up to $350 for a first offense. Second and subsequent offenses can lead to a penalty of up to $1,000. The good news is that this offense does not carry the risk of jail time.
The expert agents at InsureOne can help you find a policy that meets your needs and satisfies your legal obligation.
Do Harlingen-Specific Laws Play a Role in Determining Your Insurance Premiums?
There are no city ordinances that impact the cost of your car insurance. However, plenty of other factors combine to determine what you will pay for your monthly premiums. Some examples include the following:
- Your age. Young drivers will usually pay more than older drivers.
- The type of car you drive. Some vehicles — like sports cars — cost more to insure than sturdier vehicles like SUVs.
- Your education. Higher education levels can bring the cost of insurance down.
- Accident history. Your insurance will cost more if you have a history of accidents or tickets.
Here Is What You Need to Know When Driving in Texas
When it comes to driver-friendly states, Texas is it. It is a large, wide-open state that relies on personal vehicles instead of public transportation. This means there are plenty of drivers on the road who can represent a threat to your health and safety.
Another thing to consider is that Texas is known for its high rate of uninsured drivers. It is a good idea to carry full coverage auto insurance in case you are in an accident with an uninsured motorist.
Typical Driving Conditions in Harlingen
Harlingen is a relatively small city, but the traffic can be substantial. This is true in part due to the proximity to multiple busy highways in and around Harlingen. As a busy industrial hub, commercial vehicles are always present on the roads.
In addition to traffic, you should also consider how the weather can impact your vehicle. Harlingen is hot most of the year, which not only represents a safety risk but can also damage your vehicle. It is a good idea to take steps to protect your automobile from the heat.
How Many Car Accidents Happen in Harlingen Per Year?
There were a total of 1,960 vehicle accidents in Harlingen in 2023. Here is a comparison of annual Harlingen fatal accidents to other cities in Texas in 2023:
City | Annual Average Number of Fatal Car Crashes |
---|---|
Harlingen | 5 |
Dallas | 196 |
Allen | 2 |
Abilene | 7 |
Austin | 88 |
How Many Uninsured/Underinsured Motorists Are in Harlingen?
Texas is known for having a high rate of uninsured and underinsured motorists. According to the Texas Department of Motor Vehicles, 20% of all drivers lack any coverage whatsoever. This does not take into account the larger number of drivers with inadequate coverage.
Get Covered by the Best Car Insurance in Harlingen, TX, Today!
InsureOne offers Harlingen residents access to expert agents who provide white-glove service. We offer a top-tier, one-stop insurance shopping experience, comparing quotes from multiple carriers to help you save money.
We can save you time and money by researching policies and pricing. Get a quote online, visit us at an office near you near you, or call us at (800) 836-2240.